ACA marketplace plans in Charlotte, North Carolina (2026)
Charlotte, North Carolina (population 903,844, ACS 2020-2024), covering ZIP codes 28201, 28202, 28203, 28204, 28205 and 69 more sits in Mecklenburg County, where 81 ACA marketplace plans from 5 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $583 per month for a 40-year-old. 2027 plans for Mecklenburg County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
City stats
- Population: 903,844 (ACS 2020-2024)
- Uninsured rate: 12.8% (ACS 2020-2024, table S2701)
- Median household income: $82,068 (ACS 2020-2024, table B19013)
ZIP codes covered
28201, 28202, 28203, 28204, 28205, 28206, 28207, 28208, 28209, 28210, 28211, 28212, 28213, 28214, 28215, 28216, 28217, 28218, 28219, 28220, 28221, 28222, 28223, 28224, 28226, 28227, 28228, 28229, 28230, 28231, 28232, 28233, 28234, 28235, 28236, 28237, 28241, 28242, 28243, 28244, 28246, 28247, 28250, 28253, 28254, 28255, 28256, 28258, 28260, 28262, 28263, 28265, 28266, 28269, 28270, 28271, 28272, 28273, 28274, 28275, 28277, 28278, 28280, 28281, 28282, 28284, 28285, 28287, 28288, 28289, 28290, 28296, 28297, 28299
Source: GeoNames US postal 2026-07-21.
Five lowest-cost plans in Mecklenburg County (age 40)
- Blue Cross and Blue Shield of NC — Blue Home Bronze Basic | 3 Free PCP | $25 Tier 1 Rx | Integrated | with Novant Health · Expanded Bronze · $446.85/mo · deductible $7,000 · MOOP $10,600
- Oscar Health Plan of North Carolina, Inc — Bronze Classic Standard | with Atrium Health · Expanded Bronze · $449.20/mo · deductible $7,500 · MOOP $10,000
- Oscar Health Plan of North Carolina, Inc — Bronze Simple Diabetes | with Atrium Health · Expanded Bronze · $458.19/mo · deductible $5,500 · MOOP $10,150
- Oscar Health Plan of North Carolina, Inc — Bronze Classic 4700 | with Atrium Health · Expanded Bronze · $459.61/mo · deductible $4,700 · MOOP $9,600
- Oscar Health Plan of North Carolina, Inc — Bronze Simple Breathe Easy with Enhanced COPD Benefits | with Atrium Health · Expanded Bronze · $460.88/mo · deductible $5,500 · MOOP $10,150
See the full Mecklenburg County plan table with every issuer, metal tier, and cost-sharing figure →
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (Congressional Research Service report R48290; KFF's 2026 premium tracker).
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan and premium figures come from this file.
- American Community Survey 5-Year Estimates, 2020-2024 — U.S. Census Bureau. Population/income/uninsured figures where present.
- ZIP-city association: GeoNames US postal 2026-07-21 — postal geography derived from USPS ZIP city listings.
- Full methodology: how we source and interpret this data →